Can I get the 8 plus?

I take really good care of my phones & always make sure to have it on me when I leave to/from somewhere. it’s my life. Because of this confidence, I turned off “find my iphone” & what a funny coincidence, I lost my phone the day after. I was in the lockers & must’ve left it on the bench cause the coach was rushing us to leave. I have insurance & was wondering if when I report it, I could get the 8 plus. I know i still have to pay but to get the plus, would I have to pay it as new or can I pay the regular amount I’d pay to get back my iPhone 8 with insurance? Asking for a friend.